Homeowners Insurance in Westland, Michigan

When it comes to homeowners insurance, Westland residents will want to know how much the average premium costs in their city, how they can find the right policy for their needs, and how they can lower their premiums.

We break down these details and more below.

The average cost of homeowners insurance in Westland is about $1,795 annually, or about 15% less than the state average of about $2,092 annually. 

Insurers in Westland calculate the average rates in the city by considering a few factors, like the city’s population, average house age, and city’s crime rates. These factors and individual factors related to the policyholder help insurers determine a policyholder’s risk of filing a claim. If a policyholder has an above-average risk of filing a claim, insurers compensate for this risk by charging higher premiums. 

While population size and crime rates are relatively low in the city, most homes are older, which can be more expensive to insure. Thus, the average premium in Westland is below the state average, but not by a wide margin.

Insurers will also consider unique factors about the policyholder when determining their premiums. Insurers may use one’s age, claims history, marital status, home replacement cost, and credit history when calculating rates. Homeowners whose homes are equipped to handle severe weather may also see a decrease in their premiums, and the state makes it easy for some homeowners to make these changes by offering the Weatherization Assistance Program to qualified applicants.

Similarly, the amount of dwelling coverage one maintains on their policy directly impacts premium rates. Here’s how premiums differ based on dwelling coverage in Westland.

While Michigan law doesn’t require homeowners to maintain an insurance policy, those with mortgages must have a policy for the duration of their loans per lender regulations. 

Another factor that directly affects one’s premiums is one’s deductible. Policies with high deductibles will have lower premiums, and those with low deductibles will have higher premiums. 

While the average cost of home insurance in Westland is below the state average rate, it may still be out of budget for some homeowners. Let’s see how homeowners can get the right policy for their needs. 

When it comes to home insurance, Westland, Michigan, residents will want to find the policy that best suits their lifestyle and needs. When homeowners select the best policy for their needs, they narrow the search by looking at cost and coverage.

Those who value cost over coverage will likely bind a standard policy with an insurer that offers below-average base rates and plenty of opportunities for discounts. Expect more on this later. 

However, those who value coverage over cost will likely bind a policy with coverage limits tailored to their needs from an insurer that offers several optional coverages one may add to their policy. 

For example, insurers offer additional coverage for policyholders who want to add additional named perils to their policies, or so they may insure specific items they own.

Michiganders who value coverage over cost may add water backup coverage to their policies, as this additional coverage adds water backup as a covered peril on one’s policy. Similarly, some homeowners may add an endorsement to their policy to insure specific valuables, like jewelry or art. 

While homeowners must determine what they value most in a policy, they also must choose the type of insurer that aligns with their needs. Homeowners can select either a regional or national insurer through which they may bind their home insurance policy. While these insurers are more similar than they are different, they may differ based on the handling of claims, customer service, and underwriting. 

Although insurance is highly subjective and policies can be very customizable, all homeowners insurance policies will have the same base coverage types. Here’s what residents can expect on their Westland home insurance policies. 

Westland home insurance policies will contain the same coverages as other home insurance policies bound in the state and the nation, as they all contain the same base coverages.

Here’s a brief breakdown of what residents can expect on their homeowners insurance in Westland.

According to the FEMA flood zone map, residents in Westland are at a moderate risk of experiencing flooding.  In 2024, the flood maps for Wayne County were updated to better identify those at risk. Homeowners must know that a home insurance policy doesn’t cover floods, and coverage for flooding requires a separate Michigan flood insurance policy.

Flooding can cause tens of thousands of dollars in damage, with just an inch of flood water causing an average of about $27,000 in damage, according to the Federal Emergency Management Agency (FEMA). 

A flood insurance policy may be the difference between financial ruin and stability for many homeowners. Those interested in binding a policy may find one through the National Flood Insurance Program (NFIP) or a private insurer. 

Those who value cost over coverage will want to know a few tricks they can use to get the cheapest policy that still meets their coverage needs. The most efficient way to lower one’s premiums is to lower one’s coverage limits to the least amount possible. For example, Homeowners can choose to insure only 80% of their home’s replacement cost with dwelling coverage. But, insurers give the option of dwelling coverage up to 100% of a home’s value for some more wiggle room during a rebuild.

Homeowners may lower their premiums without sacrificing coverage by utilizing their insurers’ discounts. Generally, insurers offer discounts based on one’s personal characteristics, elements of one’s home, or based on one’s consumer habits. 

For example, many insurers offer discounts for homeowners over a certain age, those with certain security devices installed in their homes, or those who bundle several insurance products through the same insurer. 

Whether you’re a first-time homeowner, a new Mcihigander, or a long-time Westland resident, homeowners can easily select the right policy for their needs by getting and comparing quotes online. Getting and comparing quotes is the easiest and most efficient way to make an informed decision about your policy and can help ensure you’re getting the best deal on the market. 

Luckily, you’ve come to the right place for quotes. Here at Clovered, we have a free quoting tool you can use to get your quotes in minutes after inputting some simple details about your home. If you’d rather chat with a professional about your quotes, you can reach one of our licensed agents at 833-255-4117 or [email protected].